The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$86,577
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,271
−HK$2,736/mo
Today · 4.125%
HK$92,007
baseline
▲ 0.50% · 4.625%
HK$97,605
+HK$5,598/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$184,014/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,317
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,900
−HK$2,620/mo
Today · 4.125%
HK$101,520
baseline
▲ 0.50% · 4.625%
HK$106,872
+HK$5,352/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$203,040/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,893
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,125
−HK$3,283/mo
Today · 4.125%
HK$110,408
baseline
▲ 0.50% · 4.625%
HK$117,126
+HK$6,718/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,816/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,580
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,680
−HK$3,144/mo
Today · 4.125%
HK$121,824
baseline
▲ 0.50% · 4.625%
HK$128,246
+HK$6,422/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,648/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,208
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,979
−HK$3,830/mo
Today · 4.125%
HK$128,809
baseline
▲ 0.50% · 4.625%
HK$136,647
+HK$7,838/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,618/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,843
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,460
−HK$3,668/mo
Today · 4.125%
HK$142,128
baseline
▲ 0.50% · 4.625%
HK$149,620
+HK$7,492/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,256/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,839
−HK$9,773/mo
▼ 0.25% · 3.875%
HK$160,687
−HK$4,925/mo
Today · 4.125%
HK$165,612
baseline
▲ 0.50% · 4.625%
HK$175,689
+HK$10,077/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$331,224/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,370
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$178,020
−HK$4,716/mo
Today · 4.125%
HK$182,736
baseline
▲ 0.50% · 4.625%
HK$192,369
+HK$9,633/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$365,472/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,654 · Scale 2, in force from 26 Feb 2026)